CoinJar Card vs DeCard Luminaries
Crypto native
Crypto native
Verdict
- CoinJar Card scores higher overall (5.7 vs 5.2 out of 10).
- CoinJar Card is clearly stronger on: Fees.
- DeCard Luminaries is clearly stronger on: FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
CoinJar Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees
DeCard Luminaries is a good fit for
- Frequent travellers
Stronger on: FX & international
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | CoinJar Card | DeCard Luminaries |
|---|---|---|
| Fees | 76 | 31 |
| Cashback & rewards | – | 40 |
| Availability | – | – |
| FX & international | 0 | 100 |
| Product features | 70 | – |
| Custody & security | 60 | – |
| Credit & financing | – | – |
| Limits & ATM | 80 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.7 |
| Best for Travel | 4.3 | 6.6 |
| Best for DeFi Users | 5.7 | n/a |
| Best for High Spenders | 5.1 | 5.3 |
| Best for Low Fees | 5.4 | 6.2 |
| Best for Beginners | 6.8 | 5.6 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Prepaid cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialShow source
Card issuer / program manager
EML Payment Solutions Limited (AFSL 404131)Show source
Tiers / plans
DeCard One · DeCard LuminariesShow source
Fees
Annual fee
$388/yearConditions apply: tap or hover for detailsShow source
Luminaries, charged in SGD; DeCard One has no annual fee
Physical card fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
2.99%Conditions apply: tap or hover for detailsShow source
From 2.99%
0%Conditions apply: tap or hover for detailsShow source
Luminaries
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Returned as Rewards points
ATM fee
1%Show source
Other fees & markups
Transaction dispute $27.50Show source
Cashback & rewards
Max cashback
10%Show source
Cashback paid in
CoinJar Rewards pointsShow source
Cashback type
PointsShow source
Max cashback per month
$200/monthConditions apply: tap or hover for detailsShow source
Per month
Availability
Account / spend currencies
SGDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Annual cost at 1,500 EUR/month
CoinJar Card
- Annual & monthly feesunknown
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−12 EUR
- Cashbackunknown
- Net annual valuenot enough data
DeCard Luminaries
- Annual & monthly fees−347 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers